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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I can’t think of anyone who likes buying insurance coverage, especially when they could find better rates elsewhere.

There is such a variety of insurance companies to insure vehicles with, and though it is a good thing to have a selection, so many choices can make it hard to find the lowest rates.

It’s a good habit to compare prices on a regular basis because insurance coverage prices go up and down regularly. Just because you had the best price for S8 insurance two years ago a different company probably has better rate quotes today. Don’t believe everything you read about insurance coverage out there, but in this article, you’re going to get some of the best ways to find cheap insurance coverage.

Get cheaper rates with these discounts

Some providers don’t always list every possible discount in an easy-to-find place, so the next list breaks down both the well known in addition to some of the lesser obvious ways to save on car insurance.

  • Use Seat Belts – Buckling up and requiring all passengers to buckle their seat belts can save 10% or more on medical payment and PIP coverage.
  • Drive Less and Save – Low annual miles can qualify you for better prices on cars that stay parked.
  • Military Discounts – Having an actively deployed family member may qualify for rate reductions.
  • Accident-Free Discounts – Drivers who stay claim-free have much lower rates in comparison with insureds who have frequent claims or accidents.
  • Discounts for Federal Employees – Simply working for the federal government could cut as much as 10% off for S8 insurance with select insurance companies.
  • Auto/Home Discount – If you have multiple policies and place coverage with the same company they may give you a discount of at least 10 to 15 percent or more.
  • Anti-theft Discount – Cars, trucks, and SUVs optioned with advanced anti-theft systems have a lower chance of being stolen and will qualify for a discount on a auto insurance quote.
  • Senior Citizen Discount – Older drivers may receive lower premium rates for S8 insurance.

Policy discounts save money, but many deductions do not apply the the whole policy. Most only cut specific coverage prices like physical damage coverage or medical payments. Even though the math looks like having all the discounts means you get insurance for free, company stockholders wouldn’t be very happy.

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

  • State Farm discounts include anti-theft, defensive driving training, Steer Clear safe driver discount, accident-free, multiple autos, and student away at school.
  • Nationwide includes discounts for Farm Bureau membership, accident-free, business or organization, defensive driving, multi-policy, good student, and anti-theft.
  • GEICO offers discounts for military active duty, federal employee, anti-lock brakes, multi-vehicle, emergency military deployment, and seat belt use.
  • AAA has savings for good driver, pay-in-full, AAA membership discount, multi-car, good student, anti-theft, and multi-policy.
  • 21st Century may include discounts for student driver, theft prevention, driver training, defensive driver, and 55 and older.
  • The Hartford offers discounts including bundle, good student, defensive driver, air bag, and anti-theft.

Before buying, ask all the companies how many discounts you can get. Some of the discounts discussed earlier might not be offered in your area. If you would like to view companies with discount car insurance rates, click this link.

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

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How to compare car insurance quotes

All the larger car insurance companies like Progressive, Allstate and GEICO provide coverage prices online. Getting prices online is fairly simple as you just type in into a form. When complete, their quoting system will order your driving and credit reports and quotes a price. This makes it simple to compare prices but having to visit multiple sites and type in the same information is a waste of time. But it’s absolutely necessary to compare as many rates as possible if you are searching for the lowest car insurance rates.

The preferred way to lower your rates makes use of a single form to return rates from several different companies. It saves time, requires much less work on your part, and makes rate comparisons much more enjoyable and efficient. Immediately after you send the form, your coverage is rated and you can choose any of the quotes returned. If one or more price quotes are lower than your current rates, you simply finish the application and purchase the new policy. This process takes just a few minutes to complete and you will know how your current rates stack up.

In order to find out how much you can save on car insurance, click here to open in new window and fill out the form. If you have coverage now, it’s recommended you replicate the insurance coverages identical to your current policy. This helps ensure you will be getting a rate comparison for similar coverage.

Components of your Audi S8 insurance prices

Many things are taken into consideration when pricing auto insurance. Some are pretty understandable such as your driving record, but other factors are less apparent like your continuous coverage or your commute time.

  • Does your employer cost you more? – Occupations such as real estate brokers, social workers and miners have higher premium rates attributed to stressful work requirements and lots of time spent away from family. On the flip side, careers such as scientists, engineers and retirees pay lower than average rates for S8 insurance.
  • High credit scores save money – An insured’s credit history is a big factor in calculating your auto insurance rates. Drivers with high credit scores tend to be better drivers and file fewer claims than drivers with lower credit scores. Therefore, if your credit score is not that good, you could potentially save money when insuring your 2001 Audi S8 by improving your credit score.
  • Choose high safety ratings and save – Vehicles with high crash test scores tend to have lower insurance rates. The safest vehicles reduce injuries and fewer injuries means your insurance company pays less which can result in lower premiums. If your Audi S8 has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may qualify for a discount.
  • Good drivers pay less – Your driving citation history has a huge affect on how much you pay. Even one driving citation can increase the cost of insurance by as much as thirty percent. Drivers who don’t get tickets pay lower auto insurance prices compared to bad drivers. Drivers with serious violations such as reckless driving, hit and run or driving under the influence may be required to file a SR-22 with their state’s licensing department in order to prevent their license from being revoked.

Insurance can be complex

When buying the best insurance coverage for your vehicles, there isn’t really a “best” method to buy coverage. Every situation is different and your policy should reflect that. These are some specific questions may help you determine if you will benefit from professional help.

  • If I drive on a suspended license am I covered?
  • Can I afford to pay high deductible claims out of pocket?
  • What is high-risk coverage and where do I buy it?
  • Is extra glass coverage worth it?
  • Am I covered if I break a side mirror?
  • Is motorclub coverage worth it?

If you’re not sure about those questions, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier

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

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Car insurance coverages for a 2001 Audi S8

Understanding the coverages of insurance can be of help when determining the right coverages for your vehicles. Policy terminology can be ambiguous and nobody wants to actually read their policy. Shown next are typical coverage types offered by insurance companies.

Insurance for medical payments – Coverage for medical payments and/or PIP pay for bills for nursing services, surgery and funeral costs. They are used to fill the gap from your health insurance program or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage covers damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as fire damage, damage from flooding and falling objects. The maximum payout a insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Collision coverages – Collision insurance will pay to fix damage to your S8 resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for things such as damaging your car on a curb, hitting a parking meter, hitting a mailbox and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. It’s also possible to increase the deductible in order to get cheaper collision rates.

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and damage to your Audi S8.

Due to the fact that 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 is important protection for you and your family.

Liability insurance – This provides protection from damage that occurs to people or other property that is your fault. This coverage protects you from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see values of 50/100/50 that translate to $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability insurance covers claims like structural damage, loss of income, pain and suffering and medical services. How much liability coverage do you need? That is a personal decision, but consider buying as large an amount as possible.

Shop around and save

Some companies don’t offer rates over the internet and most of the time these regional carriers provide coverage only through independent agents. Cheaper 2001 Audi S8 insurance is attainable from both online companies and from local agencies, so you should compare both to have the best rate selection.

When buying insurance coverage, never sacrifice coverage to reduce premiums. Too many times, someone sacrificed uninsured motorist or liability limits only to regret at claim time that it was a big mistake. The proper strategy is to get the best coverage possible at the best price, but don’t skip important coverages to save money.

We’ve covered a lot of ways to reduce 2001 Audi S8 insurance car insurance rates online. The most important thing to understand is the more providers you compare, the higher the chance of saving money. You may be surprised to find that the best car insurance rates are with a small local company. These smaller insurers may only write in your state and offer lower premium rates compared to the large companies like GEICO and State Farm.

Much more information about auto insurance is available at the links below