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: Mar 19, 2018

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Trying to find cheaper insurance coverage rates for your Audi S8? Nobody looks forward to paying for insurance coverage, in particular when they could get a better deal.

Popular companies such as State Farm, Farmers Insurance, GEICO and Allstate continually hit you with TV and radio ads and it is difficult to ignore the promise of big savings and find the best price available.

The best way we recommend to get rate comparisons is to know car insurance companies actually pay money for the chance to give you rate quotes. To begin a comparison, all you need to do is provide information including whether you are single or married, if the car is leased, how you use your vehicles, and driver ages. Your insurance information is instantly submitted to multiple different insurance companies and you will get price comparisons instantly to find the best rate.

To find lower rates now, click here then complete the form.

Smaller companies may have the best rates

Big name companies like Allstate, GEICO and Progressive seem to constantly run television and radio advertisements. They all seem to have a common claim that you’ll save big just by switching your car insurance coverage to their company. How do they all charge less that you’re paying now? This is the way they can do it.

All companies can use profiling for the type of customer that will generate a profit. One example of this type of risk profile may be married and over the age of 30, owns their home, and has a high credit rating. Anybody who matches those parameters will probably get cheap premium rates and will save if they switch.

Insureds who cannot meet this stringent profile will see higher premium rates and ends up with the customer buying from a different company. If you pay attention, the ads say “customers that switch” but not “all drivers who get quotes” save that kind of money. That’s why companies can truthfully lure you into getting a quote. Because of these techniques, it is so important to do a rate comparison at every renewal. Because you cannot predict which insurance companies will fit you best based on your risk profile.

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

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Discount car insurance quotes

Insurance can cost an arm and a leg, but you may be missing some discounts that many consumers don’t even know exist. Certain discounts will be triggered automatically at the time you complete a quote, but a few must be asked for before being credited.

  • Theft Deterent Discount – Vehicles that have factory anti-theft systems prevent vehicle theft so companies will give you a small discount.
  • Senior Citizen Discount – Drivers over the age of 55 may be able to get a discount up to 10% on S8 coverage.
  • E-sign – Some insurance companies may give you up to $50 for signing up online.
  • Student Driver Training – Make teen driver coverage more affordable by requiring them to enroll in driver’s education if it’s offered in school.
  • Claim-Free Discount – Drivers who don’t have accidents have much lower rates as opposed to frequent claim filers.
  • Lower Rates for Military – Having a family member in the military can result in better car insurance rates.
  • Anti-lock Brake System – Cars, trucks, and SUVs that have steering control and anti-lock brakes prevent accidents and earn discounts up to 10%.
  • Payment Method – If you can afford to pay the entire bill instead of monthly or quarterly installments you may reduce your total bill.
  • Multi-Vehicle Discounts – Having all your vehicles on one policy can reduce rates for all insured vehicles.

While discounts sound great, it’s important to understand that most discounts do not apply to the entire policy premium. Some only reduce specific coverage prices like liability and collision coverage. Just because it seems like all those discounts means the company will pay you, that’s just not realistic.

If you would like to view providers offering car insurance discounts, click here.

Tailor your auto insurance coverage to you

When it comes to buying coverage, there is no perfect coverage plan. Every insured’s situation is different and your policy should reflect that. For instance, these questions may help you determine if your insurance needs may require specific advice.

  • Do I have coverage when using my vehicle for my home business?
  • Will I lose any money if I cancel my policy before it expires?
  • Where can I get insurance after a DUI in my state?
  • Do I pay less if my vehicle is kept in my garage?
  • Does insurance cover damages from a DUI accident?
  • Do I need to file an SR-22 for a DUI in my state?
  • Am I covered if I hit my neighbor’s mailbox?
  • Is my ex-spouse still covered by my policy?
  • How much underlying liability do I need for an umbrella policy?
  • Can I rate high risk drivers on liability-only vehicles?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about 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.

Car insurance policy coverages for an Audi S8

Having a good grasp of car insurance helps when choosing the best coverages and proper limits and deductibles. The coverage terms in a policy can be confusing and nobody wants to actually read their policy. Shown next are the normal coverages offered by car insurance companies.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage gives you protection when other motorists either have no liability insurance or not enough. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.

Auto liability

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

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 50/100/50 which means $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability coverage pays for claims like legal defense fees, loss of income and medical services. The amount of liability coverage you purchase is up to you, but consider buying as high a limit as you can afford.

Coverage for collisions

Collision insurance pays to fix your vehicle from damage resulting from a collision with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like crashing into a building, crashing into a ditch and rolling your car. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. It’s also possible to raise the deductible to save money on collision insurance.

Comprehensive coverage

Comprehensive insurance pays for damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as hitting a bird, theft and damage from getting keyed. The maximum amount you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Medical payments coverage and PIP

Med pay and PIP coverage kick in for short-term medical expenses for pain medications, ambulance fees and nursing services. They are used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. They cover both the driver and occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

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

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Better coverage you can count on

Affordable 2002 Audi S8 insurance is attainable from both online companies and from local agencies, so you should compare both to have the best selection. Some insurance providers do not offer online rate quotes and many times these regional carriers prefer to sell through independent agents.

When trying to cut insurance costs, you should never buy lower coverage limits just to save a few bucks. In many instances, drivers have reduced comprehensive coverage or liability limits only to regret they didn’t purchase enough coverage. Your focus should be to purchase plenty of coverage at an affordable rate, but do not sacrifice coverage to save money.

You just read many tips how you can lower your 2002 Audi S8 insurance auto insurance rates. The most important thing to understand is the more quotes you get, the higher your chance of finding low cost insurance coverage. Consumers may even find the lowest priced car insurance comes from some of the lesser-known companies. These smaller insurers may often insure only within specific states and give getter rates than their larger competitors like Allstate, GEICO and Progressive.

For more information, link through to the resources below: