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: Dec 3, 2018

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Want the cheapest insurance coverage rates for your Audi A8? Sick and tired of not being able to scrape enough together to keep your car insured? Your situation is no different than most other consumers.

Due to the large number of insurance coverage companies to choose from, it is very difficult to choose the most cost effective company.

Buy car insurance online

To find the best car insurance rates, there are several ways of comparing price quotes from companies that offer car insurance in your state. By far the easiest way to compare 2002 Audi A8 insurance prices is to use the internet to compare rates. This can be done by using one of the methods below.

  • The recommended way to get quotes for comparison is an all-inclusive rate comparison (click to open form in new window). This quick form prevents you from having to do separate forms for each company you want a rate for. Completing one form gets insurance cost estimates from several companies.
  • A more difficult way to get quotes online is to take the time to go to the website for each individual company and fill out a new quote form. For examples sake, we’ll pretend you want comparison quotes from Progressive, State Farm and Travelers. To get each rate you have to spend time going to each site individually and repeatedly enter your information, which is why the first method is more popular.

    For a handy list of car insurance company links in your area, click here.

It’s up to you how you get prices quotes, just make absolute certain that you use identical quote data for every quote you compare. If you enter different deductibles you will not be able to make an equal comparison. Quoting even small variations in insurance coverages may result in a large different in cost. Just remember that comparing all the rates in your area helps locate the best rates.

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

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Don’t overlook these car insurance discounts

Some companies don’t always list every available discount in an easy-to-find place, so we researched some of the best known as well as the least known discounts that you may qualify for.

  • Distant Student – Any of your kids who are enrolled in a college that is more than 100 miles from home without a vehicle on campus may qualify for this discount.
  • Life Insurance – If the company offers life insurance, you could get lower prices if you buy some life insurance in addition to your auto policy.
  • Seat Belts Save – Drivers who require all vehicle occupants to use their safety belts can save up to 15% off the PIP or medical payment premium.
  • ABS and Traction Control Discounts – Anti-lock brake equipped vehicles have fewer accidents and therefore earn up to a 10% discount.
  • Discount for Passive Restraints – Cars that have air bags or automatic seat belts may get savings as much as 30%.
  • Home Ownership Discount – Being a homeowner may earn you a small savings due to the fact that maintaining a home is proof that your finances are in order.
  • Drivers Ed for Students – Cut your cost by having your teen driver sucessfully take a drivers education course as it will make them better drivers and lower rates.

It’s important to understand that some credits don’t apply the the whole policy. Most only cut the cost of specific coverages such as liability, collision or medical payments. So when it seems like adding up those discounts means a free policy, that’s just not realistic.

The best car insurance companies and a selection of discounts can be found below.

  • State Farm may offer discounts for driver’s education, defensive driving training, Drive Safe & Save, Steer Clear safe driver discount, multiple autos, student away at school, and anti-theft.
  • Farmers Insurance includes discounts for mature driver, homeowner, multi-car, distant student, business and professional, and electronic funds transfer.
  • GEICO has savings for anti-lock brakes, membership and employees, defensive driver, good student, air bags, driver training, and federal employee.
  • American Family may have discounts that include mySafetyValet, multi-vehicle, air bags, TimeAway discount, defensive driver, and bundled insurance.
  • Nationwide offers discounts including defensive driving, multi-policy, family plan, good student, accident-free, and business or organization.
  • Progressive offers discounts for multi-policy, online quote discount, continuous coverage, online signing, homeowner, multi-vehicle, and good student.

When quoting, ask every insurance company how you can save money. Some credits might not be offered on policies in your area. To locate providers that offer discounts, click this link.

When to get professional advice

When buying the right insurance coverage for your personal vehicles, there really is no “best” method to buy coverage. Every situation is different so this has to be addressed. For example, these questions may help highlight whether or not you would benefit from an agent’s advice.

  • If my pet gets injured in an accident are they covered?
  • How can I get my company to pay me more for my totalled car?
  • Am I covered if hit by an uninsured driver?
  • Does my liability insurance cover pulling a trailer or camper?
  • Can my babysitter drive my car?
  • Is pleasure use cheaper than using my 2002 Audi A8 to commute?

If it’s difficult to answer those questions, you might consider talking to a licensed agent. If you don’t have a local agent, take a second and complete this form or you can also visit this page to select a carrier

How you can control Audi A8 insurance prices

The best way to find cheaper insurance coverage is to take a look at the factors that help determine the rates you pay for insurance coverage. If you know what determines base rates, this helps enable you to make changes that could help you find much lower annual insurance costs. Lots of things are part of the calculation when you get a price on insurance. Some of the criteria are obvious like your driving record, but some are not as apparent like your continuous coverage or your commute time.

The factors shown below are some of the major factors that factor into your rates.

  • Pay less after the wedding – Being married can get you a discount when shopping for insurance coverage. Marriage may mean you are more mature and insurance companies like that being married results in fewer claims.
  • Good drivers pay less – How you drive impacts premiums far more than you think. Drivers who don’t get tickets get better rates compared to drivers with tickets. Only having one moving violation can bump up the cost substantially. Drivers who have gotten license-revoking violations like DUI or willful reckless driving may be required to complete a SR-22 with their state DMV in order to prevent a license revocation.
  • Raising comp and collision deductibles lowers costs – Comp and collision deductibles are the amount of money the insured will be required to pay if a covered claim is submitted. Protection for physical damage, also known as collision and other-than-collision, protects your car from damage. Examples of some claims that would be covered are rearending another vehicle, damage from fire, and damage caused by road hazards. The larger the amount the insured has to pay upfront, the less your company will charge you for insurance on A8 coverage.
  • Vehicles with better crash test results save money – Cars with five star safety ratings are cheaper to insure. Safer cars protect occupants better and fewer injuries means less claims paid passed on to you as lower rates.

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

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Car insurance coverage information

Having a good grasp of your policy can help you determine the right coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. These are typical coverage types found on most insurance policies.

Liability insurance

Liability insurance can cover damage that occurs to a person or their property that is your fault. This coverage protects you from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see values of 25/50/25 that translate to $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability coverage protects against things like bail bonds, medical services, court costs, medical expenses and attorney fees. How much liability should you purchase? That is a personal decision, but consider buying as large an amount as possible.

Medical costs insurance

Med pay and PIP coverage kick in for bills such as EMT expenses, pain medications, hospital visits, chiropractic care and doctor visits. The coverages can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Coverage applies to both the driver and occupants and also covers being hit by a car walking across the street. Personal injury protection coverage 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 provides protection when other motorists either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and damage to your Audi A8.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea.

Comprehensive or Other Than Collision

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for things like hitting a bird, damage from flooding and a tree branch falling on your vehicle. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Collision insurance

Collision coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for claims like driving through your garage door, scraping a guard rail, crashing into a building and colliding with a tree. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Pennies from heaven

You just learned a lot of information how to shop for 2002 Audi A8 insurance online. The key concept to understand is the more times you quote, the higher your chance of finding affordable car insurance. Drivers may discover the most savings is with some of the lesser-known companies. These smaller insurers often have lower rates on specific markets than the large multi-state companies such as GEICO and State Farm.

When getting car insurance quotes online, it’s very important that you do not skimp on coverage in order to save money. There are a lot of situations where an insured cut collision coverage to discover at claim time that it was a big error on their part. Your goal should be to get the best coverage possible at the best price, but do not skimp to save money.

For more information, link through to the following helpful articles: