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 15, 2017

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Looking for cheaper auto insurance rates for your Audi A8? There isn’t anyone who rejoices having to buy auto insurance, especially knowing the price is too high.

There is such a variety of auto insurance companies to pick from, and although it’s nice to have multiple companies, having more auto insurance companies makes it harder to find a good deal.

You should take the time to quote other rates at least once a year because insurance prices change regularly. Despite the fact that you may have had the best deal for A8 insurance two years ago you may be paying too much now. Forget anything you know (or think you know) about auto insurance because I’m going to let you in on the secrets to the proper way to get good coverage at a lower rate.

How to find cheap car insurance

When shopping for car insurance there are multiple ways to compare prices from different companies. The quickest method to lower the rate you pay for 2003 Audi A8 insurance is to get quotes online. It is quite easy and can be accomplished using a couple different methods.

  • If you don’t have a lot of time, the easiest way to find the lowest comparison rates would be an industry-wide quote request form click here to open form in new window. This quick form eliminates the need for separate quote forms for each price estimate. Completing one form gets prices estimates from multiple low-cost companies.
  • A more difficult way to compare prices requires you to visit each individual company website and go through the quote process again. For examples sake, we’ll pretend you are doing a rate comparison from GEICO, State Farm and Farmers. To get each rate you have to spend time on each company’s site and enter your information, which can get old fast.

    To view a list of companies in your area, click here.

  • The least efficient method to compare price quotes is to drive around to each insurance agency near you. The internet eliminates the need for an insurance agent unless your situation requires the professional guidance that only an agent can give. Although, it is possible comparison shop your insurance online but purchase the actual policy in an agency.

How you compare quotes is your choice, just make sure you are using exactly the same coverage data for each price quote. If you enter different limits and deductibles on each one it will be impossible to make a fair rate comparison. Having just a slight variation in insurance coverages may result in a large different in cost. Just remember that making a lot of price comparisons helps improve the odds of finding more affordable rates.

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

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Car insurance rates and discounts

Some insurers do not advertise the complete list of policy discounts in a way that’s easy to find, so the following is a list of a few of the more well known and also the lesser-known credits that may apply to you.

  • Discount for Life Insurance – Select car insurance companies reward you with a discount if you purchase a life policy as well.
  • Government Employee Discount – Being employed by or retired from a federal job may qualify for a discount when you quote auto insurance for A8 insurance but check with your company.
  • Own a Home and Save – Owning your own home or condo may trigger a policy discount on car insurance because maintaining a house is proof that your finances are in order.
  • Drivers Education – Reduce the cost of insurance for teen drivers by having them participate in a local driver’s education class if it’s offered in school.
  • Save with More Vehicles Insured – Insuring all your vehicles with one company can get a discount on all vehicles.
  • Paperless Signup – Many larger companies will provide an incentive for buying your policy online.
  • Good Student – This discount may save you up to 25%. Many companies even apply the discount to college students up to age 25.

A little note about advertised discounts, most of the big mark downs will not be given to the entire policy premium. Most cut the cost of specific coverages such as comprehensive or collision. So even though they make it sound like all those discounts means the company will pay you, company stockholders wouldn’t be very happy.

To see insurers with the best discounts, click this link.

Situations that may require an agent’s advice

When choosing proper insurance coverage for your personal vehicles, there really is not a best way to insure your cars. Everyone’s needs are different so your insurance should reflect that For example, these questions can help discover whether your personal situation may require specific advice.

  • How do I insure my teen driver?
  • Am I getting all the discounts available?
  • Do I have coverage when making deliveries for my home business?
  • Who is covered by my policy?
  • Am I covered when using my vehicle for business?
  • What companies insure drivers after a DUI or DWI?
  • Are rock chip repairs covered?
  • Do I need added coverage for expensive stereo equipment?

If you can’t answer these questions then you might want to talk to a licensed agent. To find an agent in your area, take a second and complete this form or you can also visit this page to select a carrier

Auto insurance coverage breakdown

Learning about specific coverages of your policy helps when choosing appropriate coverage at the best deductibles and correct limits. Auto insurance terms can be confusing and reading a policy is terribly boring. These are the normal coverages offered by auto insurance companies.

UM/UIM Coverage

This coverage gives you protection when the “other guys” either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and damage to your Audi A8.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Medical costs insurance

Med pay and PIP coverage reimburse you for expenses for things like surgery, EMT expenses and rehabilitation expenses. They are utilized in addition to your health insurance program or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not available in all states and may carry a deductible

Collision insurance

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

Collision insurance covers things like crashing into a ditch, colliding with another moving vehicle, hitting a mailbox and rolling your car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. You can also raise the deductible to save money on collision insurance.

Comprehensive or Other Than Collision

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as a broken windshield, damage from flooding and hail damage. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Coverage for liability

Liability insurance will cover damage or injury you incur to other’s property or people in an accident. It protects you against claims from other people. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 25/50/25 which stand for a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability coverage protects against claims like repair bills for other people’s vehicles, legal defense fees, structural damage, emergency aid and loss of income. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.